First Northern Q2 net income $4.4M ($0.29 EPS), down 3.1% YoY; NIM improves to 3.65%

FIRST NORTHERN COMMUNITY BANCORP

2024-Q2 EPS reported $0.57

Net income $4.4M for Q2 2024 vs $4.6M in Q2 2023; diluted EPS $0.29 vs $0.30.
Six-month net income $8.7M ($0.57 EPS), down 13.5% from $10.1M ($0.66 EPS) year ago.
Net interest margin rose 16 bps to 3.65% from Q1 2024; non-interest expenses down $0.9M (8.3%) quarter-over-quarter.
Total assets $1.89B (-1.3% YoY); loans up 3.0% to $1.05B; deposits down 2.9% to $1.71B.
Book value per share $10.75, up 3.0% from March 31, 2024; bank remains well capitalized.

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